Once you file either a chapter 7 or chapter 13 bankruptcy, the automatic stay goes into effect. The stay prevents any collection activity against...

My wife and I are filing chapter 7. We are current on our mortgage and we want to keep our home.

Several factors must be taken into consideration before anyone can give you the proper advice. A complete analysis of you entire financial...

Bankruptcy & my Utlity bill

Yes, you should immediately notify the utility company about your bankruptcy filing. Notice by facsimile transmission will usually suffice. They...

I filed a Chapter 7 bankruptcy last summer 2010. My case is still pending and I've been notified about a tax refund.

Yes. This is clearly property of the bankruptcy estate. Secion 541 of the Bankruptcy Code broadly defines what is included in a debtor's estate,...

BK/Loan mod/Deed in Lieu of

No. If you did not sign and file a reaffirmation agreement before your chapter 7 bankruptcy was closed, then the debt was discharged. A subsequent...

Chapter 7 / Loan mod

No. If you didn't previously sign and file a reaffirmation agreement, then the mortgage debt was discharged. A loan modification does not act as...

BK/Loan mod - is this a reaffirmation of loan?

No. If you did not sign and file a reaffirmation agreement before your chapter 7 bankruptcy was closed, then the debt was discharged. A...